My career in financial services began in 1983 as an assistant in the Mortgage Department at the former Citizens National Bank in Bedford. I later worked as a Mortgage Loan Officer and Underwriter at the former Workingmen's Federal Savings Bank in Bloomington. Then I spent several years working as a Certified Financial Planner before returning to my roots in mortgage lending. My passion for financial services and counseling has continued through the years and gives me great satisfaction as I help others reach their dreams of home ownership.
I'm a lifelong resident of Lawrence County and currently a member of the South Central Chapter of the Indiana Mortgage Bankers Association, the Bedford Board of Realtors, and the Bedford Area Chamber of Commerce. Over the years, I've served on various committees and boards including the Chamber of Commerce, the Oakland City University Bedford Campus, and the Hoosier Hills Estate Planning Council.
I genuinely enjoy helping people reach their financial goals and believe that everyone deserves excellent customer service and respect. Prompt and precise communication and caring client education are at the root of my professional relationships.
My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!
Confirm your home financing options ahead of schedule
What to Expect
Understanding your home finance options puts you in the driver's seat when you are negotiating your home purchase. Getting a no obligation Ruoff Step Ahead pre-approval letter tells all parties involved that you are a qualified borrower. Because your Ruoff Step Ahead pre-approval letter confirms that your documentation has been reviewed by a Ruoff Home Mortgage underwriter, sellers and agents will both know the transaction will close on time! Get in touch with a Ruoff Home Loan Adviser or simply click on the link above and apply online today. It is fast and easy and you will soon know why Ruoff is a great name to know when you need a mortgage.
Loans That End in "A"
Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.
Take Advantage of a Government-Insured Loan That Is Always a Safe Bet in an Ever-Changing World
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) insures the loan, so Ruoff Home Mortgage can offer you a better deal. It is because of that insurance that FHA loans can offer attractive interest rates and with less stringent and more flexible qualification requirements. FHA loans may be used to purchase or refinance a new or existing 1-4 unit family home or condominium unit.
Highlights of the FHA Loan
Down payment of just 3.5%. That money can come from a family member, employer or charitable organization as a gift. Other loan programs do not typically allow this. Low credit score requirement and flexible qualifying guidelines. No income limit on borrowers. 15 or 30-year term with competitive rates. Non-occupant co-borrowers can be used to help qualify.
FHA Eligibility Criteria
Must occupy the property as your primary residence. Maximum loan amount limits that vary by region/city. A borrower is limited to one FHA loan at a time. Must meet the minimum credit score requirement. Must have sufficient income to qualify.
The FHA 203(k) Program
Interested in purchasing a foreclosed property, but don't have the extra cash needed for necessary repairs? The FHA 203(k) loan product is the perfect solution. The FHA 203(k) is a special loan product for borrowers who need extra cash to make repairs to their homes. The chief advantage of this type of loan is that the loan amount is not based on the current appraised value of the home, but on the projected value after the repairs are completed. A "streamlined" 203(k) allows you to finance up to $35,000 in nonstructural repairs, such as painting and replacing cabinets or fixtures. The 203(k) loan can be used to repair a home you're planning to purchase or to make upgrades to your current home.
For more information on FHA mortgage insurance and other FHA loan programs:
By Proudly Serving Your Country, You've Earned the Benefit of a VA Loan
VA loans provide fixed, competitive rates with 15 or 30-year terms. Qualification is easier, even if you have had some credit blemishes in your past. Unlike other loans, you can refinance up to 100% of the value of your home or purchase with no down payment, and there's never a monthly insurance (PMI) charge with VA loan.
Are you a veteran, member of the military, or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you Interested in a fixed-rate mortgage? A yes answer to all three of the above questions suggests that a VA Loan might very well be the right loan for you. Contact a Ruoff Home Mortgage advisor today and discuss the advantages of this exclusive loan product.
VA Loan Highlights
Purchase with no money down. Refinance up to 100% of your primary home's value. The Seller can pay 100% of the closing costs on a purchase. VA Streamline Refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans. No monthly PMI (Private Mortgage Insurance). VA loans are governed by the U.S. Department of Veterans Affairs.
Eligibility Criteria for VA Loans
Must occupy the property as your primary residence. Must be eligible for a new mortgage with VA. Must meet minimum credit score requirement. Must have sufficient income to qualify.
A Great Way to Buy a Home in a Small Community or Rural Area
Are you ready to own a home but are not sure you will qualify due to lack of a down-payment? Rural Development may be able to help you! USDA Rural Development has partnered with Ruoff Home mortgage to help extend 100% financing opportunities to individuals and families.
Highlights of the USDA Rural Development Authority Loan
No Down payment is required. Flexible credit score and qualifying guidelines. No maximum purchase price limit. Closing costs can come from any source including gifts. Repairs and improvements can be included in the loan. 30-year term with competitive rates. No monthly mortgage insurance - you may qualify for a larger loan.
USDA Eligibility Criteria
Must occupy the property as your primary residence. Do not own another home within 50 miles. Have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the home. Purchase a residential property that is located in a Rural Development eligible area.
The Rural Development guaranteed loan program has assisted thousands of customers just like you. Tell your Ruoff Home Mortgage Advisor you want the USDA Rural Development Guaranteed Housing Loan. Assistance options, such as gift funds, grants, seller concessions are allowed and you do not have to be a first-time homebuyer.
One time Close, New Construction Program
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.
One-Time Close Construction Loan Program
If you are ready to start building the home of your dreams, Ruoff Home Mortgage has the perfect construction loan program, allowing you to lock your interest rate before you even break ground.
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing, utilizing a one-time approval and closing process prior to the beginning of construction.
To protect you from market shifts during the construction phase, your interest rate is locked at application. However, you will be given the opportunity to review and possibly lower your interest rate if the market has improved by the time your home is complete.
You can also take comfort in knowing that our in-house New Construction Department works closely with area builders and has a simple draw procedure to ensure that your project budget remains on track as your dream home becomes reality. We also offer the flexibility of a six-month or nine-month construction loan term with interest-only payments during the construction period.
Let Ruoff Home Mortgage help construct the perfect financing option for your new home.
Interest rate locked before ground-breaking
Float down interest rate available when house in complete
FInance options on both purchase of the land and new home construction
Down payments as low as 5%
One approval process and one set of closing costs
6- or 9-month loan term (interest-only payments during construction period)
Fixed rate permanent financing terms from 10 to 30 years.
Loan amounts up to $417k.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.
Your dream home is waiting!
Ruoff Home Mortgage works with the Indiana Housing and Community Development Authority (IHCDA) to provide you a variety of homebuyer incentives.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.
Helping to Own Program offers a 3.5% down payment assistance grant.
Mortgage Credit Certificate Program provides housing assistance by issuing a federal tax credit to first time homebuyers and other qualyfing borrowers.
Next Home Program offers down payment assistance for those who are not first time homebuyers.
Next Home with Mortgage Credit Certificate Program provides down payment assistance as well as a federal tax credit to first time homebuyers.
Affordable Home Program funds FHA loans for first time homebuyers
My Home Program funds loans with conventional financing for those who are not first time homebuyers.
My Home with Mortgage Credit Certificate Program funds loans with conventional financing and provides a federal tax benefit for first time homebuyers
With over 30 years of experience, Ruoff Home Mortgage makes the process of securing a mortgage simple and straightforward – with no hidden costs and no surprises.
Let me use my experience to help you find the loan program that best meets your needs.
Everything was smooth and as easy as it could have been.
Cindy was very positive but realistic and guided me through the process so that nothing was unexpected. I felt like she was very easy to reach and she answered my questions. I also felt she truly cared about me as a customer.
Cindy Hester and Jill Rogers were exceptional with their willingness to help me achieve my dreams of owning a home. They made sure to keep in close contact through the whole process and made sure to notify me as quickly as possible to any issues that arose.
Things were done very quickly and they were very prompt with returning any emails with questions. I really appreciate that.
Communication was very good between me and the staff that handled my loan, questions, and everything else. Cindy worked with me from a too-low-to-qualify score, to get a higher score than I needed to qualify for several types of loans. I got great advice from the staff at Ruoff about credit, home buying, closing, and other things related to this process. They treated me like I was any other responsible adult, and not just a struggling young adult with bad credit.
Cindy was super helpful!
Everything was wonderful and went well. Cindy was great and very helpful.
Took care of everything so well. Smooth from start to finish. We were cleared to close in 8 days from first application!
Cindy was exceptional. My loan was a long process due to complications and she was there through it all. Her help was invaluable!! Thank you, Cindy.
Everything! :-) I can't think of anything that could have been done any better
Overall everything went very smoothly. Cindy was very attentive, and answered emails even on weekends and evenings. This is my second time working with Cindy, and I followed her over from her former position at Hallmark. Cindy made me feel appreciated as a customer as I would not have expected, and I'll be sure to come back to her if the need arises.
Cindy was very helpful with everything. She took the time to help me understand what everything was. She was wonderful.
I thought everything went very well. Everything ran smoothly and Cindy was very helpful!
Cindy did an amazing job walking me through every step while purchasing my first home. A lot of things were very confusing but she was always there to answer any of my questions in a very timely manner.
I noticed right away Cindy was going to be very helpful, as this was our first time buying a home. She was very knowledgeable and quick to respond to all my questions (I had a lot!) I feel Cindy definitely put my mind at ease with the whole process. She is very easy to talk to and made us feel very comfortable to ask any and all questions we had. I have and will continue to recommend Cindy and Ruoff Mortgage.
Cindy was awesome! Answered calls, emails, and texts super fast and was always helpful. Enven brought a little gift for our new home. So unexpected and appreciated. I would recommend her to anyone! | Everything went great. It's a process but went as planned and expected.
Cindy was very professional and friendly, always quick to answer questions. | I don't think Cindy could have done anything better, she is at the top of her game.
Cindy always has a smile on her face and makes you feel welcome. Cindy is tryly someone I wish I had on my team; she goes the extra mile and leaves no stone unturned. Cindy made herself available to me after hours when I had questions. She also consoled me, when my 1st buyers fell through. She worked really hard to make sure I was okay on a personal level. Wow, not only did everything work out (as Cindy promised), but I also gained a lifetime friend.
In a hurry?
Apply Online Today and Determine Your Financing with Fast Professional Service.